KURT LAMBERT
ActiveKURT LAMBERT has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €112k and a net result of €8k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 68% of 7196 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▲+10
Solvency99▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.35 against 2.8 in 2024), and 39.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
60.6%
Return on assets
4.4%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
15 d early
2023
37 d early
2022
25 d early
2021
25 d early
2020
39 d early
2019
21 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€112k▲ 6.2%
2024 · €105k
2018: €40k
2019: €46k
2020: €62k
2021: €66k
2022: €78k
2023: €101k
2024: €105k
2018 → 2025
Total assets
€184k▼ 7.2%
2024 · €198k
2018: €129k
2019: €102k
2020: €139k
2021: €195k
2022: €169k
2023: €212k
2024: €198k
2018 → 2025
Net result
€8k▲ 49.1%
2024 · €5k
2018: €-7k
2019: €6k
2020: €17k
2021: €6k
2022: €13k
2023: €25k
2024: €5k
2018 → 2025
Working capital
€111k▲ 6.1%
2024 · €105k
2018: €63k
2019: €59k
2020: €61k
2021: €61k
2022: €74k
2023: €98k
2024: €105k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€78k▲ 16.8%€101k▲ 30.5%€105k▲ 3.8%€112k▲ 6.2%
Operating result€8k-€15k▲ 85.2%€29k▲ 89.9%€6k▼ 77.9%€10k▲ 51.1%
Net result€6k-€13k▲ 107%€25k▲ 97.4%€5k▼ 78.6%€8k▲ 49.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 51% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184k
Fixed assets
€25k▼ 27.9%
Current assets
€159k▼ 2.8%
Equity and liabilities €184k
Equity
€112k▲ 6.2%
Debt
€72k▼ 22.3%
The debt ratio falls from 47.0% to 39.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€28k▲
2024 · €20k
Cash flow
€27k▲
2024 · €19k
Solvency
60.6%▲
2024 · 53.0%
Current ratio
3.35▲
2024 · 2.80
Quick ratio
3.35▲
2024 · 2.80
Debt / equity
0.65▼
2024 · 0.89
ROE
7.2%▲
2024 · 5.2%
ROA
4.4%▲
2024 · 2.7%
Interest coverage
26.95▲
2024 · 14.84
Debt
€72k▼
2024 · €93k
Debt ≤ 1 year
€47k▼
2024 · €58k
Debt > 1 year
€16k▼
2024 · €26k
Income taxes
€670
Staff costs
€84k▼
2024 · €110k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€198k€184k▼
Fixed assets21/28€35k€25k▼
Tangible fixed assets22/27€33k€23k▼
Plant, machinery and equipment23€616€154▼
Furniture and vehicles24€32k€23k▼
Financial fixed assets28€2k€2k=
Current assets29/58€163k€159k▼
Amounts receivable within one year40/41€13k€28k▲
Trade receivables40€6k€25k▲
Other amounts receivable41€7k€3k▼
Cash at bank and in hand54/58€140k€121k▼
Deferred charges and accrued income490/1€11k€10k▼
Equity and liabilities
Total equity and liabilities10/49€198k€184k▼
Equity10/15€105k€112k▲
Contributions10/11€20k€20k=
Reserves13€77k€84k▲
Tax-exempt reserves132€19k€19k=
Distributable reserves133€59k€65k▲
Profit (loss) carried forward14€8k€8k=
Amounts payable17/49€93k€72k▼
Amounts payable after more than one year17€26k€16k▼
Financial debts170/4€26k€16k▼
Amounts payable within one year42/48€58k€47k▼
Current portion of amounts payable after more than one year42€11k€10k▼
Trade debts44€26k€21k▼
Suppliers440/4€26k€21k▼
Advances received on contracts in progress46-€250
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€5k€2k▼
Other amounts payable47/48€13k€13k=
Accrued charges and deferred income492/3€9k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62€110k€84k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€18k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€131k€114k▼
Operating profit (loss)9901€6k€10k▲
Financial income75/76B€309€85▼
Recurring financial income75€309€85▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€5k€9k▲
Income taxes67/77-€670
Profit (loss) for the period9904€5k€8k▲
Profit (loss) for the period to be appropriated9905€5k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€16k▲
Profit (loss) brought forward from the previous period14P€4k€8k▲
Transfer to equity691/2-€6k
To other reserves6921-€6k
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €25k ▲97.4%
Operating result €29k, net result €25k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲30.5%
5 profitable years in a row build equity to €101k.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Londerzeel · 1 establishment unit since 2003
Ground area
899 m²
Building footprint
107 m²
Volume, LiDAR
731 m³
Parcel 23048C0334/00H002, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVBA KURT LAMBERT
since 20032.132.673.078
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23048C0334/00H002 | Flanders | 899 m² | 1 · 107 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,518 companies in sector 41001 we hold annual accounts for 15,849. 12,905 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2003
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.